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Dayton Mortgage Calculator

Estimate your true cost of homeownership in Dayton with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,759
P&I Payment$3,000
Taxes & Ins$347
Utilities$412
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Mortgage Details

$562,984
Local Median: $562,984
$112,597 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,759

Monthly Breakdown

Principal & Interest
$3,000
Property Taxes
$214
Homeowners Ins.
$133
Utilities
$412

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$629,637

Local Housing Facts for Dayton

  • ·Median home value: $562,984 (adjusted for current market conditions)
  • ·Est. property taxes: $2,566/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,597/yr — based on local per-$1K premium rates
  • ·Energy utilities: $4,947/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Dayton?

Based on the local median home value, estimated real estate property taxes in Dayton are around $2,566 per year.

What is the average home price in Dayton?

The median home value in Dayton is currently estimated at $562,984.

How much does homeowners insurance cost in Dayton?

For a median priced home, homeowners insurance in Dayton averages around $1,597 annually.

What is the true total cost of owning a home in Dayton?

True homeownership costs go beyond principal and interest. In Dayton, a typical homeowner with a median-priced home of $562,984 can expect to pay roughly $2,566/yr in property taxes, $1,597/yr for homeowners insurance, and $4,947/yr in energy utilities. That adds approximately $759 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.